{"id":392776,"date":"2026-07-10T01:03:11","date_gmt":"2026-07-10T01:03:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-ca\/392776\/"},"modified":"2026-07-10T01:03:11","modified_gmt":"2026-07-10T01:03:11","slug":"california-bill-would-let-insurers-use-gps-ai-to-predict-driving-risk-set-rates","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-ca\/392776\/","title":{"rendered":"California bill would let insurers use GPS, AI to predict driving risk, set rates"},"content":{"rendered":"

BAKERSFIELD, Calif. (KBAK\/KBFX) A California bill could change how drivers\u2019 auto insurance rates are set by allowing companies to track driving behavior using GPS technology and feed that data into an AI-powered system designed to predict future driving risk.<\/p>\n

Assembly Bill 311 would let insurance companies use GPS technology to track how people drive. <\/p>\n

That information would then be used in an AI-powered system that predicts a driver\u2019s future risk and uses those predictions to help set auto insurance rates.<\/p>\n

\"California<\/p>\n

California bill would let insurers use GPS, AI to predict driving risk, set rates (Photo: Randy Likness, KUTV Photojournalist)<\/p>\n

Carmen Balber, executive director of Consumer Watchdog, said the approach could create a rating system that drivers may not fully understand.<\/p>\n

\u201cSo, we\u2019re essentially talking about a score that would rate you on factors you might not even be aware of and change your auto insurance premium,\u201d Balber said.<\/p>\n

Balber said California has long based car insurance rates on three main factors: a driver\u2019s safety record, how many miles they drive each year, and their years of driving experience.<\/p>\n

\u201cAnd we have real problems turning over your insurance rate which is supposed to be fair and currently is in California to an unregulated algorithm or AI prediction,\u201d Balber said.<\/p>\n

Balber noted that insurance companies are offering discounted insurance rates to entice drivers to agree to the new technology. <\/p>\n

\"California<\/p>\n

California bill would let insurers use GPS, AI to predict driving risk, set rates (Photo: Randy Likness, KUTV Photojournalist)<\/p>\n

But she warned there could be a tradeoff, saying insurance companies could sell the data they collect from drivers to a third-party vendor.<\/p>\n

\u201cInsurance companies want a piece of the data broker action. And that\u2019s part of the reason why they\u2019re pushing this legislation that would allow them to collect so much information in your car,\u201d Balber said.<\/p>\n

Some local residents raised concerns about privacy.<\/p>\n

\u201cYeah, it\u2019s just that thing where it\u2019s like its creeping. Our privacy just keeps getting taken and taken and taken. I don\u2019t think it\u2019s something that should keep moving forward,\u201d said Anderson Ortiz, a Bakersfield local. <\/p>\n

\"California<\/p>\n

California bill would let insurers use GPS, AI to predict driving risk, set rates (105 HIGHWAY.jpg)<\/p>\n

Another Bakersfield resident said, \u201cIt\u2019s a privacy issue I don’t want them having access to all my information.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"BAKERSFIELD, Calif. (KBAK\/KBFX) A California bill could change how drivers\u2019 auto insurance rates are set by allowing companies…\n","protected":false},"author":2,"featured_media":392777,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[7,9,8],"class_list":["post-392776","post","type-post","status-publish","format-standard","has-post-thumbnail","category-california","tag-california","tag-california-headlines","tag-california-news"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/392776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/comments?post=392776"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/392776\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media\/392777"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media?parent=392776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/categories?post=392776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/tags?post=392776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}